Bronze Visitors

Bronze Visitors is a basic level of cover that meets the Department of Immigration and Border Protection (DIBP) working visa requirements. It provides benefits towards cost of selected medical treatments only when admitted to a hospital while in Australia. No benefits are provided for out of hospital services like doctors visits or pharmaceuticals. Single Bronze Visitors Hospital cover from $14.62 (AUD) per week. Minimum payment is monthly.

Supplied pharmaceuticals approved by the Pharmaceutical Benefits Scheme (PBS) and provided as part of your in-hospital treatment.

Boarder accommodation covers 100%, up to $160 per admission, if not included in hospital agreement.

Emergency ambulance services when transported directly to a hospital or treated at the scene due to an accident or medical emergency. Transport must be provided by a State Government ambulance service or a private ambulance service recognised by CBHS Corporate Health (such as Royal Flying Doctor Service).

Hospital Services where a Medicare benefit would apply to the service if the service had been provided to the holder of a valid Medicare card.

In hospital medical expenses related to providers e.g. fees from doctors, surgeons, anaesthetists, pathology, imaging etc. Covered for all services eligible for benefits from Medicare up to 100% of the Medicare Benefits Schedule (MBS) fee, where Medicare benefit would apply to the service if the service had been provided to the holder of a valid Medicare card. This applies to services you receive as an admitted hospital patient.

Access Gap Cover is where a provider chooses to participate under an arrangement with the fund. CBHS Corporate Health covers up to 100% of an agreed amount in excess of the MBS fee which reduces or eliminates your out-of-pocket expenses (i.e. surgeons, anaesthetists, pathology, imaging fees etc). Benefits are limited to those where a Medicare benefit would apply to the service if the service had been provided to the holder of a valid Medicare card.

Surgically implanted prostheses to at least the minimum benefit specified in the prostheses list under Private Health Insurance legislation.

Repatriation The benefit is for one one-way repatriation, per membership, per calendar year, up to a maximum of $10,000 if the member becomes terminally ill or suffers a life altering injury, including the return of mortal remains.

* Check the 'What's partially covered' for a list of the restricted services.

*Restricted Benefits (Services) not fully covered

The services listed below, when provided in a private hospital, are eligible for Minimum Default Benefits prescribed by private health insurance legislation. These benefits relate to hospital bed charges and are unlikely to cover the fees charged for a private hospital admission. Members may incur large out of pocket expenses for theatre fees together with the difference between the Minimum Default Benefit and the bed charge raised by the hospital.

The services listed below are also eligible for hospital benefits in a public hospital at a shared room rate. Public hospitals do not raise charges for theatre use.

Bronze Visitors will not cover you for:

Medical service (doctors, specialists) when not admitted to hospital.

If a member is admitted into a non-agreement private hospital benefits are payable only at the minimum rate specified by law. These benefits may only provide a benefit similar to a public hospital shared room rate. These benefits may not be sufficient to cover admissions in a non-agreement private hospital.

Exclusions:

For treatment listed as an exclusion there is no benefit payable and member will incur significant out of pocket expense for these services. Please review the exclusions on this cover and always check with CBHS Corporate Health to see if you are covered before receiving treatment. The following services are excluded from this cover:

Non-admitted psychiatric and psychology services.

Stem cells, bone marrow transplants.

Organ transplants.

Assisted reproductive services (e.g. IVF, GIFT)

Cosmetic services

Other services for which Medicare benefit is NOT payable

Waiting periods:

Waiting period is the time when the member is not covered for a service or treatment after starting or joining the membership. You will receive benefits listed on your level of cover once you have served the appropriate waiting periods.

Hospital waiting periods

Calendar months

Pre-existing conditions, pregnancy related services

12 months

All other treatments (including pre-existing conditions relating to psychiatric, rehabilitation and palliative care)

2 months

Accidents, emergency ambulance transport

1 day

*Residents of WA are also eligible to claim a benefit for non-emergency ambulance transport services up to a maximum of $5,000 per person per calendar year.

Excess

Bronze Visitors has an excess of $500. This means that when you go into hospital you will pay the first $500 in respect to charges raised by the hospital. This excess is per person (including dependants) up to a maximum of $1000 per family membership per calendar year. Excesses apply to both day and overnight stays.

Download Bronze Visitors Product SheetWhen deciding if this product is right for you, please refer to the CBHS Corporate Health Health Benefit Fund Rules. This information should be read carefully and retained.